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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,450 | $66,402-54.1% | $109,907-72.3% | $85,847-64.5% |
| Participation rate | 45.5% | 63.9%-18.4pp | 74.2%-28.8pp | 69.3%-23.9pp |
| Annual return | 15.68% | 19.59%-3.9pp | 29.46%-13.8pp | 318.61%-302.9pp |
| Employer contribution / active EE | $1,202 | $1,687-28.8% | $2,844-57.7% | $2,565-53.2% |
| Participant deferral / active EE | $1,965 | $2,842-30.9% | $4,047-51.4% | $3,952-50.3% |
| Admin fee / account holder | $1,866 | $4,557-59.1% | $6,069-69.3% | $6,261-70.2% |